Lending

Streamline risk decisioning as a lender to lower operating costs using data-driven, digital loan origination, affordability assessment and income verification.

Prevent fraud in loan applications with data enrichment tools from Tink – while enhancing your affordability assessment, building better UX and future proofing consumer loans for the digital age.

From Pay by Bank and VRP, to risk assessments, sustainability and money management tools, 2024 looks set to be the year when data-driven financial services hit the mainstream.

Tink's new lending white paper – with fresh research from the UK, France, and Germany – details how to elevate affordability assessments with enriched data, and why it’s more important than ever.

New research shows that one-in-four UK borrowers are using credit to cover essential spending, while 16% take out a loan to make ends meet. For lenders, there is increasing worry around fraud and a desire to improve risk decisioning models.

Christophe Joyau has played a crucial role in our transition from serving individual customers to business customers and building a B2B SaaS function – he told us about it and what it’s like working with Visa.

Beat the challenge of fraud in lending with actionable tools, from risk decisioning to authentication solutions with Tink – while getting closer to inclusive loan origination.

We have introduced a new feature on the Tink Console called Risk Decisioning, which provides a consolidated risk experience to enhance affordability and risk assessments.

Improve affordability assessment and loan applicant experiences with Tink Expense Check, using real-time data and smart expense categorisation to improve affordability assessment.

Younited and Tink have partnered to streamline credit decisions using open banking. Younited’s data-driven approach to loan origination provides fast, accurate and inclusive lending, simplifying affordability assessments for a smoother experience.

Tink and ConTe.it Prestiti team up to power an instant lending application process with open banking, using the Tink Income Check product.

Discover how Tink's partnership with Multitude Bank is transforming digital banking across Europe. Streamlining loan origination, improving credit assessments, and promoting responsible lending across 19 countries worldwide.

How does Income Check make it possible for lenders to verify income in seconds? We went behind the scenes of the Tink tech team to find out how Early Redirect is powering the open banking lending engine. Marcus Elwin, Associate Product Manager, has the details.

Risk decisioning and creditworthiness assessment technology are the tools lenders need to take loan origination into the future. Learn how Tink can help with this guide to optimising affordability assessment.

Digital loan origination processes powered by open banking are often faster, safer and provide a better customer experience than traditional methods – here’s why.

Give customers actionable ways to stay on top of their finances with Tink’s open banking tools. From personal finance management to inclusive loan origination, make banking and lending processes work for everyone.

Quality affordability assessment and creditworthiness are key to the future of lending. Learn how Tink’s open banking platform closes the data gap for lenders and encourages responsible lending.

Lenders can approve more loans while taking less risk with the help of open banking. Learn more about risk decisioning in our ultimate solutions guide.

Discover what lies ahead for lending in these uncertain times – and how you can adapt to today’s needs.

Tink and Sambla partner up to offer better, more inclusive affordability analysis for all types of loan applicants.

To help businesses make informed and accurate decisions when assessing applications, we’ve made it even easier for them to instantly verify an applicant’s income with the use of granular, up-to-date data. All with just a few simple clicks.

We look under the hood to find out how the Tink tech team tackles the challenges of building our latest lending product, Expense Check – a feature that allows you to assess affordability with facts rather than assumptions.

Affordability and lending. Discover how open banking can help you get a more accurate picture of a potential borrower’s creditworthiness in our ultimate solutions guide.

Tink’s new product Expense Check enables lenders to accurately assess applicant’s affordability with open banking. With real-time, granulated expense data, lenders can check the applicant’s creditworthiness in a matter of minutes.

Discover the open banking solutions that are leading to a new world of finance.

Self-employed workers are being left out of financial services. Here’s how open banking can help.

In the wake of the pandemic and the digital transformation of finance, consumers are borrowing money they can’t afford to pay back. But open banking holds the key to safely assess applicants’ creditworthiness.

In today’s digital world, it’s all about data – and the seamless user experiences it can power. Learn about the importance of real-time data, optimal UX, and more in this guide to building vs buying.

Open banking can help make better informed risk decisions – but access to data is just a part of the puzzle. Find out why quality account aggregation and data enrichment are the foundations of a standout risk assessment process.

It’s no secret that traditional credit checks don’t always work for everyone – but open banking can boost financial inclusion, giving more people access to credit, and fairer results thanks to better risk assessments. Here’s how.

Having a more holistic picture of someone’s financial situation can make all the difference when it comes to making well-grounded risk decisions. Luckily, open banking makes it a lot easier to build strong risk profiles. Here’s how.

We dive into the world of risk assessments, exploring challenges lenders face with current decisioning methods, and how the process can become more convenient, reliable and complete thanks to open banking and the smart use of data.

Creating detailed risk profiles can be hard. But we have a new product to solve that. Find out how Tink’s Risk Insights is giving lenders more information to go on – while also improving the application process for consumers.

How do you improve a classification model to sort out what’s an income and what isn’t? Tinker Ida Janér reveals how data scientists in the Risk team embraced confusion and took in regional differences to optimise performance.

Income verification used to mean having to dig up bank statements, share income tax statements or payslips – and then wait days or even weeks to have it all verified. Now, thanks to open banking it can take seconds. Here’s how.

Find out how the lending industry can benefit from open banking, and how they can leverage new tech capabilities to improve the user experience, reduce costs, increase operational efficiency and optimise results.